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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $100,311 | $70,486+42.3% | $100,528-0.2% | $79,852+25.6% |
| Participation rate | 45.2% | 73.6%-28.5pp | 79.4%-34.3pp | 69.6%-24.5pp |
| Annual return | -0.21% | 21.90%-22.1pp | 30.90%-31.1pp | 31.72%-31.9pp |
| Employer contribution / active EE | $1,305 | $2,165-39.7% | $3,419-61.8% | $2,471-47.2% |
| Participant deferral / active EE | $2,336 | $5,182-54.9% | $6,271-62.7% | $3,740-37.5% |
| Admin fee / account holder | $10,896 | $4,480+143.2% | $8,084+34.8% | $5,306+105.3% |